What is the highest interest rate a lender can charge with a mortgage?

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I am a first time home buyer. Because my lowest credit score of the the bureau’s is 540, I have a co-signer. For the price range that I am looking at for houses, I have 45% in cash to put down. I am looking for a 30yr-fixed loan. What is the highest interest rate a lender can charge with a mortgage?

I am looking for real estate in MN

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